SIOUX FALLS, S.D. - This year, many homeowners are thankful for signs of a recovering housing market and for new rules limiting uncontrolled fees linked to the recent mortgage meltdown. But legislation in Congress would roll back some consumer protections, making it more costly for South Dakota home buyers.

According to Gary Kalman, executive vice president of The Center for Responsible Lending, the new rules are working to ensure that banks don't issue mortgages to borrowers who aren't capable of repaying. But the legislation, known as the "Mortgage Choice Act," would undermine what Kalman considers a fair and balanced compromise.

"There are many lenders and even banking trade associations that said they can live with the rule as is. There's just certain players that are trying to squeeze out every last dollar from a borrower that they can," he charged.

If the Mortgage Choice Act passes, the 3 percent cap on fees set to go into effect in January goes away. Kevin Whelan, campaign director with the Home Defenders League, said the cap ensures lender profitability without hidden fees that drive up home-buying costs. He said families are still hurting from previous lending practices that weren't supposed to continue.

"And I've seen home ownership and community well-being stripped from families by the deliberate campaign of predatory and deceptive lending by the big banks, and by people that were working in collaboration or collusion with big banks," he declared.

Gary Kalman said there is nothing in the legislation that would benefit home buyers. In fact, he said, he believes new policies are needed to ensure that the housing market - which is key for the entire economy - recovers for individual home owners, not just banks or private investors.

"The housing market is a $10 trillion market. Stability, certainty is what the lenders are going to need in order to make sure that the market continues to grow," Kalman stated.

Current policies, scheduled to go into effect January 10, would cap "points and fees" for mortgages at 3 percent of the total loan amount. However, backers of the Mortgage Choice Act argue that those current regulations are too stringent and that changes are needed to clarify the definitions of "points" and 'fees'.

The versions of the Mortgage Choice Act in Congress are: HR 3211, at govtrack.us and S. 1577, at govtrack.us.




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A case before the U.S. Supreme Court could have implications for the country's growing labor movement. Justices will hear oral arguments in Starbucks versus McKinney today to determine if the bar should be raised for the National Labor Relations Board when it seeks to impose court-ordered injunctions on companies.

David Groves, communications director with the Washington State Labor Council, said the Supreme Court could further undermine the power of the NLRB, the independent federal agency that protects employees' rights.

"We already have weak labor laws in this country that have such minor penalties for breaking union organizing laws that companies routinely do it, and this is another opportunity for them to weaken labor laws even further," he argued.

The case involves Starbucks' firing of seven employees in Memphis during their union campaign in 2021. The coffee company says it rehired the workers and denies wrongdoing. If the justices rule in favor of Starbucks, it could make it harder for the NLRB to seek court orders.

Groves said the law states that workers have a right to organize unions in their workplace without coercion or retaliation from their employers.

"That's all fine and good but if the penalty's not significant enough, then they'll just go ahead and break that law and consider it the cost of doing business if they have to pay a fine two years down the road," he explained.

Groves said his and other labor organizations support the passage of the Protecting the Right to Organize or PRO Act in Congress, which would strengthen labor laws, including providing greater authority to the NLRB.


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The U.S. House has approved a measure to expand the Child Tax Credit. It would help 16 million children from low-income families in Indiana and nationwide. Despite bipartisan support, the bill is stalled in the Senate. Advocates praise the credit's pivotal role in combating child poverty, pointing to its effectiveness in the past, and especially during the pandemic, when it was broadly expanded.

Candace Baker, an Indianapolis mother of 4, said the previous tax-credit expansion worked for her family, and she wants it reinstated.

"Having a child, and I had to get on some government-assistance programs. My grandmother never did because she just didn't want that stigma over her, but I utilized those services when I had a child. I didn't want to either, but I'm like, I need this support," she explained.

Congress approved expanding the Child Tax Credit in 2021. However, the expansion has expired, leaving families without vital assistance. As the Senate deliberates, pressure mounts on lawmakers to prioritize the needs of struggling families and secure passage. Opponents believe taxpayers who don't work should not be eligible. Some Republicans also contend the provision may incentivize parents to leave the workforce.

Families reeling from the pandemic received between $300 and $360 per month per child from the expanded tax credit. It lifted 3.7 million children from poverty. Baker currently works for a food bank in Indianapolis where she says she is able to help neighbors in need and give back to the community.

"Being able to be a voice for those who have no voice - that is my motto. Even though where you start, you don't have to stay there. So, that is my biggest motto that I stand on: You may start here, you may be on government assistance, you may be in poverty, but that does not have to be your end game," she said.

Families who benefited from the increased aid were more than twice as likely to pay their overdue rent during the initial stages of the pandemic. The Child Tax Credit did not pass in time for this year's tax deadline, and its prospects for the future are uncertain.


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Washington joins a handful of states to do away with mandatory meetings for employees on political or religious matters.

Sometimes known as captive audience meetings, the gatherings were seen as a way for employers to give their opinions on subjects like unionization, and held potential consequences for employees who didn't attend. Lawmakers passed a bill this session allowing workers to skip the meetings without repercussions.

Sen. Karen Keiser, D-Des Moines, a sponsor of the bill, said we live in a divided society where emotions run high on political topics.

"This bill simply protects employees to have a real choice on whether or not to attend a meeting called by their boss to be told about some political or religious issue," Keiser explained.

Keiser pointed out the legislation is nonpartisan. For instance, employers could not force employees to attend anti-union meetings, but also could not force them to attend a meeting about the importance of reproductive rights. The bill takes effect June 6.

Keiser noted the bill likely got across the finish line this session because of the uptick in union organizing and support for labor. She added there are widely known stories of Starbucks managers, for example, requiring employees to attend anti-union meetings while the employees organized the workplace.

"Employees have been forced to attend meetings to listen to the boss or the employer basically tell them why they shouldn't join a union," Keiser observed.

Washington is the sixth state to pass a law prohibiting attendance at captive audience meetings. Connecticut, Maine, Minnesota and New York have passed similar laws in recent years. Oregon passed a law allowing workers to skip such meetings without repercussions in 2010.


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